EX-99.906 CERT


                                  CERTIFICATION

R. Jay Gerken, Chairman of the Board and Chief Executive Officer, and David A.
Golino, Principal Accounting Officer of the Travelers Growth and Income Stock
Account for Variable Annuities, each certify to the best of his knowledge that:

    1.   The Registrant's periodic report on Form N-CSR for the period ended
         June 30, 2004 (the "Form N-CSR") fully complies with the requirements
         of section 13 (a) or 15(d) as applicable of the Securities Exchange Act
         of 1934, as amended; and

    2.   The information contained in the Form N-CSR fairly presents, in all
         material respects, the financial condition and results of operations of
         the Registrant.



                                             
Chairman of the Board
Chief Executive Officer                         Principal Accounting Officer
Travelers Growth and Income Stock Account       Travelers Growth and Income Stock Account
For Variable Annuities                          For Variable Annuities




/s/ R. Jay Gerken                               /s/ David A. Golino
-----------------                               -------------------
R. Jay Gerken                                   David A. Golino

Date: 8/26/04                                   Date: 8/26/04

A signed original of this written statement required by Section 906, or other
document authenticating, acknowledging, or otherwise adopting the signature that
appears in typed form within the electronic version of this written statement
required by Section 906, has been provided to the Travelers Growth and Income
Stock Account for Variable Annuities and will be retained by the Travelers
Growth and Income Stock Account for Variable Annuities and furnished to the
Securities and Exchange Commission or its staff upon request.

This certification is being furnished to the Commission solely pursuant to 18
U.S.C. (s) 1350 and is not being filed as part of the Form N-CSR with the
Commission.



                                  CERTIFICATION

R. Jay Gerken, Chairman of the Board and Chief Executive Officer, and David A.
Golino, Principal Accounting Officer of the Travelers Quality Bond Account for
Variable Annuities, each certify to the best of his knowledge that:

    1.   The Registrant's periodic report on Form N-CSR for the period ended
         June 30, 2004 (the "Form N-CSR") fully complies with the requirements
         of section 13 (a) or 15(d) as applicable of the Securities Exchange Act
         of 1934, as amended; and

    2.   The information contained in the Form N-CSR fairly presents, in all
         material respects, the financial condition and results of operations of
         the Registrant.

Chairman of the Board
Chief Executive Officer                     Principal Accounting Officer
Travelers Quality Bond Stock Account        Travelers Quality Bond Stock Account
For Variable Annuities                      For Variable Annuities



/s/ R. Jay Gerken                           /s/ David A. Golino
-----------------                           -------------------
R. Jay Gerken                               David A. Golino

Date: 8/26/04                               Date: 8/26/04

A signed original of this written statement required by Section 906, or other
document authenticating, acknowledging, or otherwise adopting the signature that
appears in typed form within the electronic version of this written statement
required by Section 906, has been provided to the Travelers Quality Bond Account
for Variable Annuities and will be retained by the Travelers Quality Bond
Account for Variable Annuities and furnished to the Securities and Exchange
Commission or its staff upon request.

This certification is being furnished to the Commission solely pursuant to 18
U.S.C. (s) 1350 and is not being filed as part of the Form N-CSR with the
Commission.



                                  CERTIFICATION

R. Jay Gerken, Chairman of the Board and Chief Executive Officer, and David A.
Golino, Principal Accounting Officer of the Travelers Money Market Account for
Variable Annuities, each certify to the best of his knowledge that:

    1.   The Registrant's periodic report on Form N-CSR for the period ended
         June 30, 2004 (the "Form N-CSR") fully complies with the requirements
         of section 13 (a) or 15(d) as applicable of the Securities Exchange Act
         of 1934, as amended; and

    2.   The information contained in the Form N-CSR fairly presents, in all
         material respects, the financial condition and results of operations of
         the Registrant.

Chairman of the Board
Chief Executive Officer                         Principal Accounting Officer
Travelers Money Market Account                  Travelers Money Market Account
For Variable Annuities                          For Variable Annuities



/s/ R. Jay Gerken                               /s/ David A. Golino
-----------------                               -------------------
R. Jay Gerken                                   David A. Golino

Date: 8/26/04                                   Date: 8/26/04

A signed original of this written statement required by Section 906, or other
document authenticating, acknowledging, or otherwise adopting the signature that
appears in typed form within the electronic version of this written statement
required by Section 906, has been provided to the Travelers Money Market Account
for Variable Annuities and will be retained by the Travelers Money Market
Account for Variable Annuities and furnished to the Securities and Exchange
Commission or its staff upon request.

This certification is being furnished to the Commission solely pursuant to 18
U.S.C. (s) 1350 and is not being filed as part of the Form N-CSR with the
Commission.